Here's What Key Metrics Tell Us About Avidbank Holdings (AVBH) Q3 Earnings

Core Insights - Avidbank Holdings Inc. reported revenue of $24.19 million for the quarter ended September 2025, reflecting an 18.6% increase year-over-year [1] - The company's EPS was $0.72, down from $0.77 in the same quarter last year, indicating a decline despite revenue growth [1] - The reported revenue exceeded the Zacks Consensus Estimate of $23.8 million by 1.63%, while the EPS fell short of the consensus estimate of $0.77 by 6.49% [1] Financial Performance Metrics - Net charge-offs to average loans were reported at -0%, outperforming the average estimate of 0.1% from two analysts [4] - The net interest margin was 3.9%, matching the average estimate from two analysts [4] - The efficiency ratio was reported at -35.3%, significantly better than the average estimate of 54.1% from two analysts [4] - Total Non-Interest Income was $1.54 million, exceeding the average estimate of $1.3 million [4] - Net Interest Income was reported at $22.65 million, slightly above the average estimate of $22.51 million [4] Stock Performance - Avidbank Holdings' shares returned +1.7% over the past month, outperforming the Zacks S&P 500 composite's +0.2% change [3] - The stock currently holds a Zacks Rank 3 (Hold), suggesting it may perform in line with the broader market in the near term [3]